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Credit Card Lawsuit FAQ's

Here are some common Pennsylvania Credit Card Lawsuit FAQ's

I have been sued, what do I do?

The first thing that you need to do is have a consult with a consumer attorney. Our firm, and most other consumer firms, will give a free review of your lawsuit to explain what can happen and how we can help.

I owe the money, how can I win?

You can win if you hire a consumer attorney. We handle many cases just like yours and we know how to get these cases dismissed. Credit card collection cases are based upon documentation, and collection agencies have a difficult time in coming up with the proper documentation.

Should I settle with them?

Probably not. If the lawsuit is filed by a junk debt buyer, then the answer is almost always no. They have a tough time beating you in court. If the lawsuit is filed by an original creditor, then negotiation may be a possibility.

I never had an account with them so how can they sue me?

The right to file a lawsuit is a legal interest. Legal interests can be bought and sold, this is perfectly legal. Remember, they cannot just allege that they bought your account, they have to prove it.

What is the statute of limitations on CC cases?

The statute of limitations is 4 years. We argue that the 4 year limitation starts with the last payment made on your account.

Do I need an attorney?

While there is no requirement that you hire an attorney, it is in your best interests. We have cases dismissed at a very high rate and we know what we are doing. You don't treat yourself for a broken ankle, do you?

Will I have to go to court?

Most times, the answer is no. We are able to have most cases dismissed based upon a lack of documentation. The dismissal usually occurs before you ever have to go to court.

How much does this cost?

We understand your situation. There is a financial crisis of some sort, otherwise you likely would not have been sued in the first place. We typically charge one flat fee to handle the defense of a credit card collection case. This fee can range from a few hundred dollars to just over a thousand, depending upon circumstances. The involved collection agency, the county in which you are sued, the amount of the lawsuit and the law firm who is representing the collection agency are factors that play in. We know how many hours we will have to put into a given case just by knowing the answers to the preceding questions.

Contact our office today at 412-281-1250 or 1-888-536-6644 for a no cost, no obligation review of your debt collection law issue.

Clay Morrow, Esq.

Clay handles the claims that are filed against debt collectors who make illegal threats or who place improper marks on your credit report.  Clay typically can make the debt collector pay your legal fees.

Greg Artim, Esq.

Greg defends consumers who have been sued by junk debt buyers, collection agencies or credit card companies. The odds of success in these cases are tilted strongly towards the consumer.

PA Credit Card Blog

Visit our PA Credit Card Blog for a collection of articles and posts about Pennsylvania credit card laws and some of the credit issues that we have faced.
 
 
About Our Firm

At Morrow and Artim, P.C. our focus is on Pennsylvania Consumer Law, whether its defending against collection agency lawsuits, suing debt collectors, handling unfair trade practice claims or assisting with identity theft matters.

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Email: inquiry@pacreditcardlaw.com

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